Sanibel Island FL real estate, Sanibel FL real estate, Captiva Island real estate, and Captiva Florida homes for sale, Lee County, FL, Florida - James & Penny Hetmanek, REALTORS® James & Penny Hetmanek REALTORS(r) for Sanibel Island and Captiva Island, Florida real estate - NUMBER1EXPERTS™ James & Penny Hetmanek NUMBER1EXPERTS(tm) for Sanibel Island and Captiva Island, Florida real estate
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James & Penny Hetmanek, REALTORŪ, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
Call us for all of your Sanibel Island Real Estate needs toll free at (800) 553-7338, ext. 219 for Jim and ext. 202 for Penny

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". . . knowledgeable, thoughtful, prompt. . ."
"Reputation of Jim & Penny was key [in our decision to choose them]."
Jack and Jean Dannemiller, Sanibel, FL
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Relocating?: Sanibel Island and Captiva Island Florida home buying, real estate listings, and homes for sale in Lee County, FL
Welcome > Local Info > Relocating? ...


Request Our Free Relocation Package. Don't Move To Sanibel and Captiva Islands Without It!
 

Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Sanibel and Captiva Islands, Florida area. 

If you will be moving to the Sanibel and Captiva Islands area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. 

When you visit, we'll be ready! We will visit the Sanibel and Captiva Islands neighborhoods and homes that interest you the most. 

In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. 

Remember: As top Sanibel and Captiva Islands Realtors, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. 

To get started, fill out the form to request our FREE Sanibel and Captiva Islands, Florida Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong...
 

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Real Estate Tips
Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

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Real Estate Trivia
Q 
Where is the world's largest bridge located?

A 
Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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James & Penny Hetmanek, REALTORŪ, real estate agents and broker for Sanibel Island and Captiva Island Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

James & Penny Hetmanek
VIP Realty Group, Inc.

1560 Periwinkle Way
Sanibel Island, FL 33957
James: 239-472-5187 ext 219
Penny: 239-472-5187 ext 202
Toll Free: 800-553-7338 ext 219
Fax: 239-437-7530
Cell: 239-565-0359
Email: Hetmanek@Hetmanek.com

James and Penny excel in the world of Sanibel, Captiva and Lee Island Coast Real Estate. Consummate professionals, they understand the intricacies of the market and the importance of individualized services. James and Penny are very accomplished negotiators who are successful at exceeding their clients' expectations. They are truly your Island Experts.

REALTOR MLS Equal Housing


    



VIP Realty Group, Inc. real estate and homes for sale in Sanibel Island and Captiva Island Florida
VIP Realty Group, Inc. real estate and homes for sale in Sanibel Island and Captiva Island Florida

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